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Housecall Pro

“Can a field service management platform become the complete financial operating system for home service trades businesses?”

Founded2013
HQDenver, CO
IndustryVertical SaaS / Home Services
The story

Founded as a scheduling and dispatch SaaS for home service professionals, Housecall Pro has systematically layered embedded financial services on top of its core operations platform. Beginning with Stripe-powered payment processing, the company expanded into ACH via Plaid, then added embedded capital (Fundbox, Pipe, Stripe Capital), employee expense cards via HCP Money, and a full embedded payroll product via Check. The platform now resembles a vertical financial OS for trades businesses, covering payments, lending, spend management, payroll, insurance via Coverdash, and retirement via Vestwell — with the explicit ambition to be 'the only software Pros need.'

Last 12 months
2025-04
2025-01
2025-01
2026-03-01
Product timeline
2013
Founded as Codefied Inc., launching Housecall Pro as a field service management platform for home service professionals.· pivot
2015
Platform reached meaningful scale serving HVAC, plumbing, cleaning, and other trades businesses.· pivot
2019
Integrated Stripe for embedded credit card payment processing within the platform.· banking
2021
Launched Plaid integration for secure bank account connection and ACH payout verification.· banking
2022
Partnered with Fundbox to offer embedded working capital lines of credit to Pros.· lending
2023
Launched HCP Money including Expense Cards (physical and virtual) for employee spend management.· card
2023
Launched embedded payroll powered by Check, enabling Pros to run payroll inside the platform.· banking
2024
Added Pipe as a second embedded capital solution alongside Fundbox and Stripe Capital.· lending
2024
Partnered with Coverdash to embed business insurance (General Liability, Workers' Comp, Commercial Auto) into the platform.· banking
2025
Added Vestwell 401(k) retirement plans accessible through the payroll product, and launched Automated Sales Tax feature.· banking
Same company
Housecall Pro was analysed under more than one name on the same domain, so its stack is split across these dossiers. Each was analysed independently and may name providers the others do not.
HousecallPro2 layers →
The stack
11 layers disclosed in Housecall Pro’s embedded-finance stack
Payments / PSP
Stripe Connect
Money movement
in the full report
Banking / BaaS
in the full report
Card issuing
in the full report
Lending
in the full report
Payroll
in the full report
Insurance
in the full report
Open banking
in the full report
Sponsor bank
in the full report
Investing
in the full report
Accounting
in the full report
Accounting gap: minor
16 more providers across 10 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Housecall Pro — frequently asked

What bank does Housecall Pro use?

Housecall Pro discloses Celtic Bank and Evolve Bank & Trust as its banking providers, according to the Embedded Finance Index 2026.

Is Housecall Pro a bank?

Housecall Pro does not disclose a bank charter of its own; its banking services are provided through Celtic Bank and Evolve Bank & Trust.

Who is Housecall Pro's payment processor?

Housecall Pro processes payments through Stripe Connect. Disclosed money-movement rails: ACH.

Who issues Housecall Pro's cards?

Housecall Pro's cards are issued through Celtic Bank.

Who provides Housecall Pro's lending?

Housecall Pro's lending and capital products are provided by Pipe.

Which open banking provider does Housecall Pro use?

Housecall Pro connects to bank accounts through Plaid.

Which payroll provider does Housecall Pro use?

Housecall Pro's payroll is powered by Check.

Which insurance provider does Housecall Pro partner with?

Housecall Pro's embedded insurance is provided by Coverdash.

Who powers Housecall Pro's investing products?

Housecall Pro's investing and wealth products are powered by Vestwell.

Which accounting software does Housecall Pro integrate with?

Housecall Pro integrates with QuickBooks Online and QuickBooks Desktop.

What is Housecall Pro's embedded finance stack?

The Embedded Finance Index 2026 maps 11 layers in Housecall Pro's stack: Payments / PSP (Stripe Connect); Money movement (ACH); Banking / BaaS (Celtic Bank and Evolve Bank & Trust); Card issuing (Celtic Bank); Lending (Pipe, Business Financing via Stripe Capital, Business Funding via Fundbox (revolving line of credit), Capital Solution via Pipe (revenue-based advance) and 1 other); Payroll (Check); Insurance (Coverdash); Open banking (Plaid); Sponsor bank (Evolve Bank & Trust); Investing (Vestwell); Accounting (QuickBooks Online and QuickBooks Desktop).

Where is Housecall Pro headquartered?

Housecall Pro is founded in 2013 and headquartered in Denver, CO.

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